Well, this is quite bizarre so I thought I share with yall.
I stopped to get gas by the interstate this weekend on the way back from a long road trip. Filled up with my Discover card (5%), took the receipt printout without looking at it and stuff the receipt into my wallet.
So when I sit down to record the receipt (somehow Discover didn’t text me) I noticed that the amount is much higher. I check the amount and it’s like 23+ gallons. My gas tank isn’t even that big. At this point, I panicked a bit. Jumped on Discover site and see that the transaction is still show as “pending” with no amount shown. I check the receipt again and it’s showing the card is a Visa.
Ok, wtf, did I grab the receipt from the car before? I decided to sleep on it and check Discover again today. and… the pending transaction is gone, just gone.
So, I’m not 100% certain yet but it seems my gas ended on the card of the person who filled up prior to me. Even though my card was accepted and pending transaction shown.
Some gas stations I have used slap a $150 charge on the CC automatically, pending the clearing of the actual amount spent on the gas purchase. The monthly statement reflects the actual amount. Margin of safety?
Not saying this is your case, but I have done similar before (for the generally correct amount of gas) but I grabbed the wrong card from my wallet. Convinced I used the “correct” card for gas and the charge never appeared I thought I got free gas until I checked the less used, “wrong” card for gas only to see the charge posted right on schedule.
Agree with others though, you probably just grabbed someone’s else’s receipt.
My best guess is that it will likely show up correctly as a posted charge.
The authorizations (pending transactions) you see online are just authorizations. The merchant is essentially asking your bank whether a charge will go through for $x. The bank says yes or no, and the merchant is then able to process the transaction while ensuring that when they actually process the transaction the issuing bank cannot deny the transaction.
For a variety of reasons including missed batching, the issuing bank’s internal practices, and the interactions of various third parties in between the merchant and the issuing bank, authorizations may fall off or appear to fall off before you actually see the charge posted to your account.
Also, the receipt indicating “visa” doesn’t necessarily mean a discover card wasn’t used. This is primarily a merchant processing limitation associated with some processors. The fact that the amount doesn’t make sense though, makes me think the other posters are right that you just grabbed the wrong receipt.